Business Use Car Insurance

Discussion in 'CycleChat Cafe' started by Phaeton, 29 Dec 2017.

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  1. Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    Because of my daughters job she has to have business use on her car insurance she is not able to do the job without it, it's part of her contract of employment (I'm led to believe) This year it's cost her £120 more than standard insurance, is she able to claim the extra as an expensive/allowance with HMRC?
     
  2. vickster

    vickster Legendary Member

    Is she self employed? Or does she do a tax return alongside PAYE?
    Will her employer not cover it (might be too late now if she's slgned the contract)
    Maybe she could shop around for the insurance (next year), I expect a broker could find a better deal for a more specialised policy

    £120 sounds a lot (what % extra is it), how many business miles does she do?
     
  3. Drago

    Drago Guru

    That sounds pricy indeed - my business use used to cost me nothing extra. Indeed, my whole insurance bill is less than £120 :laugh:

    And yes, she can claim tax relief against it.
     
  4. OP
    OP
    Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    She's employed, visits people in their own home via her own car, maybe the insurance industry is cashing in on her occupation, both she & my SIL did research on pricing before committing to this policy.
     
  5. JtB

    JtB Executive Rooster

    Location:
    North Hampshire
    If she just travels between her own home and a client’s home rather than between multiple clients’ homes then could that be classified as commuting?

    I occasionally need to drive to a client’s office from home and my car insurance companies have always classified that as commuting.

    PS. Commuting to a single place of work doesn’t mean you have to commute to the same place of work every time, it just means you can’t commute between multiple places of work such as visiting multiple clients.
     
    Last edited: 29 Dec 2017
  6. OP
    OP
    Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    No she is a care worker & travels between clients homes
     
    screenman likes this.
  7. stephec

    stephec Legendary Member

    Location:
    Bolton
    Does she claim a mileage allowance back from her employer on the business mileage?

    That's usually intended to cover insurance, fuel, depreciation, etc.
     
    SteCenturion and raleighnut like this.
  8. Smokin Joe

    Smokin Joe Legendary Member

    I've got business use and it cost nothing extra when I first put it on some years ago.
     
    Drago likes this.
  9. OP
    OP
    Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    I'll check & get back
     
  10. Lozz360

    Lozz360 Senior Member

    Location:
    Oxfordshire
    ^^^^^This^^^^^^
    My job involves travelling to different clients addresses. The 45p per mile I claim for business trips is intended to also cover any additional cost for business use insurance. £120 seems a bit steep though. If she is only travelling to clients addresses and not driving them to medical appointments for instance, it shouldn’t cost much more if anything.
     
  11. It may be age or location based.
     
    mjr likes this.
  12. OP
    OP
    Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    Okay looks like I got given bad information, the excess amount for business use is only £40 not £120 as I was told & she is allowed to claim £0.20p per mile.
     
  13. Slick

    Slick Veteran

    We get 45p a mile but it drops significantly after 5000 miles. You dont need to be self employed to claim back expenses on you tax bill. :okay:
     
  14. OP
    OP
    Phaeton

    Phaeton Guru

    Location:
    Oop North (ish)
    Minimum wage care worker, the service is in crisis, although the boss has just bought a brand new Merc,
     
  15. Slick

    Slick Veteran

    Bought or leased?
     
    PhilDawson8270 and Svendo like this.
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